BlastPoint's Credit Union Scorecard
MOUNTAIN
Charter #68531 · NC
MOUNTAIN has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.51% above tier average
- + Total Members: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 7.27% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 13 that size in North Carolina.
- Shares and deposits +2.0% year over year ($327M in shares and deposits).
- Membership: 31,379 members, +1.1% vs a year ago.
- Delinquency rate 0.67%.
- Return on assets 0.59%.
- Efficiency ratio 84.00% vs a 76.73% peer average.
- Loan-to-share ratio 65.40% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,379
+1.1% YoY+0.5% QoQ
|
+16.2K |
15,168
-2.6% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
Top 5.7% in tier |
| Assets |
$372.4M
+2.8% YoY+0.6% QoQ
|
+$140.4M |
$232.0M
+0.7% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
Top 14.7% in tier |
| Loans |
$214.0M
+5.3% YoY+2.9% QoQ
|
+$67.7M |
$146.3M
+0.2% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
79% |
| Deposits |
$327.2M
+2.0% YoY+0.5% QoQ
|
+$126.5M |
$200.7M
+0.2% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
Top 13.9% in tier |
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| ROA |
0.6%
-29.4% YoY+23.4% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
35% |
| NIM |
4.2%
-1.1% YoY+3.3% QoQ
|
+0.5% |
3.7%
+4.5% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
80% |
| Efficiency Ratio |
84.0%
+5.9% YoY-1.9% QoQ
|
+7.3% |
76.7%
-0.8% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
73% |
| Delinquency Rate |
0.7%
-21.2% YoY-2.5% QoQ
|
-0.2 |
0.9%
+6.6% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
48% |
| Loan To Share |
65.4%
+3.3% YoY+2.3% QoQ
|
-6.1% |
71.5%
-0.3% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
35% |
| AMR |
$17,248
+2.1% YoY+0.9% QoQ
|
$-8K |
$25,107
+3.2% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
14.2%
+8.6% YoY+0.7% QoQ
|
-10.4% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % |
18.9%
-14.9% YoY-3.0% QoQ
|
+5.2% | 13.6% | 4.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)